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The Master obsolete delete time frame thread

futurehomeowner?

By futurehomeowner?
in Credit Forum

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The last post in this topic was posted 1064 days ago. 

 

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DPB
DPB

BK7 removed from TU yesterday! Scheduled to be removed 1/2021.   I called in and the rep asked some ID verification questions. She then said there was an error on my report and she was

pacemaker67
pacemaker67

Well..  an update.  I had read from a rouge element poster on MF about a method that seems to be working with TU regarding EE  and tried it.  It involves the dreaded online dispute method.  I tried it

tweak1
tweak1

I got EX to delete Portfolio 2 months early today. I have 2 more negs with Experian, 1 due to fall off in November and 1 in December. They told me to call in 14 days to get the November neg removed, a

FreeaAndClear

FreeaAndClear

Posted
Posted

Update:

 

Nothing has dropped off.

 

1 JDB has the "disputed" note. None of the others have any indication of being in dispute.

 

I haven't heard anything from TU nor EX.

 

All of these JDBs are tied to my current address.

 

I disputed online as "no longer responsible for this" with the note "obsolete."

 

If they come back verified, I will follow up with Whychat's' SOL program. I am in California and we have pretty good protections.

 

Any updates from anyone else?

wheredoistart

wheredoistart

Posted
Posted

I would not dispute anything online.

I have a few on EX due to come off in August, and September.

My paid judgement is what I am most concerned about and that is scheduled for August. I am going to send letter in April/May I think.

Cozmo

Cozmo

Posted
Posted

I started my credit repair kind of late. I mailed out obsolete letters in the middle of August when most of my baddies were set to fall off in Oct, Nov and Dec. I had a couple of more recent medical collections that were removed using WhyChat's method.

 

Everything was deleted off of my reports except for Midland on EX. They have re-aged it. It should have fallen off in October 2013, but they're saying it will be on my report until October 2014. I have a current CFPB complaint going right now with Midland and EX. I ask for documentation showing DOFD. They keep sending me a PIF letter.

BW1216

BW1216

Posted
Posted

Chase - TU - 7/2014

Credit One - TU - 8/2014

Fifth Third - TU - 8/2014

HSBC - TU - 7/2014

HSBC Best Buy - TU - 7/2014

Midland - TU - 7/2014

Pinnacle - TU - 8/2014

 

Disputed all as obsolete online. Wish me luck.

FreeaAndClear

FreeaAndClear

Posted
Posted

Today is day 11 for me. Most JDBs are listed as in dispute now. One JDB has updated to " closed" on TU.

 

I find that the JDB accounts are generally listed as open on TU but closed on the other 2. When I dispute, they change to closed.

 

Looks like they are contacting the furnisher on all of my disputes.

scls

scls

Posted
Posted

 

 

Equifax and Transunion both declined to delete a CO that is scheduled to fall off on 08/14. Oh well..

how did you do the request?

Snail mail .

GOAL850

GOAL850

Posted
Posted

I have a major OC baddie that is scheduled to fall off all 3 (4?) in December, 2014. I'm really debating with myself whether I need to wait until June to dispute as "obsolete."

Me too, I have a paid Chase CO with +120 lates, its scheduled to drop 12/14. I want to dispute it now, but I don't know if its a good idea.

scls

scls

Posted
Posted

 

 

I have a major OC baddie that is scheduled to fall off all 3 (4?) in December, 2014. I'm really debating with myself whether I need to wait until June to dispute as "obsolete."

Me too, I have a paid Chase CO with +120 lates, its scheduled to drop 12/14. I want to dispute it now, but I don't know if its a good idea.

Y'all have nothing to lose but time and postage.

ihatecollections

ihatecollections

Posted
Posted

I was able to dispute a 6.6 year old debt on TU that reported a balance of 1k. I did it online through TU online form since I am locked out of their online dispute. I did it along with removing old addresses and it was gone in 5 days. I did another paid but late oc that has been closed since 2007 on Saturday, and I am hoping it will fall of any day now. My mortgage lender told me that if it said disputed by consumer I needed to have it removed fromt he account or have the account deleted before they would let me close the loan.

UGAFan

UGAFan

Posted
Posted

 

I have a major OC baddie that is scheduled to fall off all 3 (4?) in December, 2014. I'm really debating with myself whether I need to wait until June to dispute as "obsolete."

Me too, I have a paid Chase CO with +120 lates, its scheduled to drop 12/14. I want to dispute it now, but I don't know if its a good idea.

 

Same -- have a OC listed with 120+ lates that are expected to fall off in November and December 2014. Keeping an eye on this thread!

Jlpaca

Jlpaca

Posted
Posted

I just did a bunch of obsolete disputes. 5 of 8 were removed from TU and 3 were updated, 2 should fall off in April but I'll try again in a month. 3 off ex but 2 were updated from charge offs schedules to fall off by July and now it's saying closed, sold to another lender and will be there until 2018. 3 off eq with 2 more still pending.

BW1216

BW1216

Posted
Posted

I just did a bunch of obsolete disputes. 5 of 8 were removed from TU and 3 were updated, 2 should fall off in April but I'll try again in a month. 3 off ex but 2 were updated from charge offs schedules to fall off by July and now it's saying closed, sold to another lender and will be there until 2018. 3 off eq with 2 more still pending.

 

You're going to dispute that, I hope? DOFD can't magically change.

Jlpaca

Jlpaca

Posted
Posted

Yes. I'm just not sure if I should do a cfpb dispute. It shows charge off on the other 2 reports just not ex. They are both old HSBC accts and tied to CAs.

Guest TJN66

Guest TJN66

Posted
Posted

Great thread as I am also coming up on dates where I want to delete as obsolete!

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